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lynx
Yeah i've tried to do the Maths on this and neither options are great. My insurers think it's repairable so with excess and likely premium increase (which i've been told will go up but perhaps by not too much as i wasn't responsible) it'll still cost me around £400 this year alone. Not sure what my premium will go up by but at least another few hundred lost over the next few years i'd imagine.
Given that my dad's body repair contact thinks the whole side of the car might need painting to colour match it could be a £1200+ repair so insurance claim still looking like the best option. My insurers have actually been very good to deal with today and put forward these guys to do the work which is reassuring.
http://www.goldmotors.co.uk/
That said i'm negotiating getting it to our contact as the car will then undergo a full respray and i'll shell out the extra cost (as i had already planned to do this year).